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Best Health Insurance Agencies in Apple Valley

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Apple Valley Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

14156 Amargosa Rd., Suite H, Victorville, Ca 92392
WebsiteLicense: 0M28676 Rating

Review Sources

5.0 (12)

Why choose this provider?

Serving clients in the Apple Valley metro and its surrounding areas, Medicare by Sandra D. guides them in getting Medicare plans. Insurance representative Sandra D. assists senior citizens and their families in navigating and understanding the Medicare insurance system. She leads them to plans that cover their health needs, including prescription drugs, hospital, and outpatient coverages. In addition, she educates them about the options available, including Medicare Advantage, Medicare Supplement, and Part D Prescription Plan.

  • Individual Health Insurance

1445 W. Redlands Blvd., Suite. B, Redlands, CA 92373
WebsiteLicense: 0G47539 Rating

Review Sources

5.0 (14)
4.6 (5)
5.0 (2)

Why choose this provider?

Welsh Insurance Services helps clients in Apple Valley who are leaving their employer insurance for the first time and transitioning to Medicare—including those 65 or older, people with disabilities under 65 years of age, and those with end-stage renal disease. The company assists clients by making them understand Medicare Parts A to D, Medicare Supplement, and Medicare Advantage. Welsh Insurance Services is co-owned by Sarah Welsh, who has over two decades of Medicare billing and Medicare supplement insurance experience.

  • Medicare Supplement Insurance

17177 Yuma Street, Victorville, CA 92395
WebsiteLicense: 0C26179 Rating

Review Sources

4.8 (39)
4.3 (29)
4.0 (7)

Why choose this provider?

Isu Armac is a family-owned and independently operated agency serving Apple Valley. It offers a range of health insurance policies—including individual dental, medical, and short-term disability, and Medicare Supplement—to help cover the costs for various healthcare services, such as doctor consultations, regular dental check-ups, pharmaceutical prescriptions, specialized care, and surgical procedures. It represents over 30 carriers and assists clients in finding the right coverage for their needs. Other products include auto, boat, business, home, life, and motorcycle insurance.

  • Individual Health Insurance

21735 Us Highway 18, Apple Valley, CA 92307
WebsiteLicense: 0C86169 Rating

Review Sources

5.0 (2)

Why choose this provider?

The Term Team offers health care protection options to clients in Apple Valley. It guides consumers in choosing Medicare, health, and dental insurance, as well as life final expense coverage. The agency represents multiple carriers that provide Medicare hospital coverage, doctor visit, and prescription drug plans. In addition, it guides individuals in selecting advantage and supplement plans. Co-owner Daniel Lamb is a life insurance agent and a registered representative who has been serving Victorville and Hesperia communities since 1999.

  • Individual Plans
  • Individual Health Insurance


  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • Does health insurance cover gym membership in Apple Valley?

    Insurance companies in Apple Valley have partnered with fitness clubs to provide discounted or free gym memberships to their policyholders. Inquire with your insurance company to see if such coverage is available. While not all agencies provide this type of coverage, some health plans reimburse for annual health club memberships.

  • When is it not necessary for you to pay your share of the bill with Apple Valley health insurance?

    When one's Apple Valley health insurance reaches the annual out-of-pocket maximum, the obligation to pay copayments, deductibles, and coinsurance for in-network care and services during the plan year may be waived. Furthermore, most policies cover specific preventive health services that are free of charge, even if your deductible has not been met.

  • What kind of plan is a grandfathered health insurance in Apple Valley?

    Plans purchased in Apple Valley prior to March 23, 2010, are considered grandfathered health insurance. Even though grandfathered plans are exempt from the rights granted by the Affordable Care Act, those policies may still provide additional benefits. The main advantage of this plan is that no significant changes can be made to a grandfathered health plan, particularly in terms of the premiums or contributions required of policyholders.

  • What happens throughout the claims process for health insurance in Apple Valley?

    For the medical services you received in Apple Valley, either you or your doctor will submit a claim to your health insurance carrier. The claim will be reviewed for completeness, accuracy, and coverage status. Once your claim has been verified, you will receive an Explanation of Benefits detailing the cost of the hospital bill that was covered. Depending on your coverage details, the medical services will be paid in full or in part, with you responsible for the remainder.

  • Will your health insurance cover the costs of infertility treatment in Apple Valley?

    In Apple Valley, infertility treatment is not typically covered by health insurance plans, including government-subsidized programs. While some plans may provide limited coverage for preserving eggs, sperm, or embryos for patients undergoing cancer treatment. Check with one's insurer to confirm the specific guidelines and scope of the fertility benefits available under the health plan.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.